5 thoughts on “From March 1 this year, the personal collection code is suspended for merchants' collection. Will we return to the era of banknotes?”
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The central bank issued the "Notice on Strengthening Payment Acceptance Terminals and Related Business Management" and requested that it will be implemented from March 1 this year; a series of management requirements are proposed for the payment barcode payment. At the same time, barcode payment has also been included in supervision, specifically regulations on the use of personal collection barcodes, and will be implemented from March 1, 2022.
one of the core attention points is that a large number of small street merchants with low turnover need to be changed from a personal collection code to a commercial collection code? Will the cost increase? The China Payment Clearance Association, Alipay, and WeChat have issued almost synchronized announcements to clearly.
As the level of living continues to improve, the use of smartphones can be seen everywhere in our daily life. Among them, WeChat and Alipay's receipt and payment functions are now leading the trend. In the past, everyone went out to buy things with cash, and now only one mobile phone is needed.
It now we only need to present the payment code, so of course, the receiver only needs to show your collection code. It is worth sure that the collection code on the mobile phone is really convenient for our lives. Moreover, more and more people are more willing to pay with mobile phones and collect money with their mobile phones.
But the central bank's official website released documents to rectify heavy rectification for Internet receipts. It is understood that only the personal collection code is limited. In other words, if the merchant wants to use the QR code collection, the personal collection code must be transformed into a commercial collection code.
. Another kind of receiving code is the kind of stalls we saw on the street and night market that sells for the Eastern and West. It's personal. This category is a type of prohibition within the new regulations of the central bank.
It also, Bank of China and CCB also have similar promotion. Bank of China said that the Bank of China receipt code supports free store opening and free store promotion of large, medium and micro -merchants; supports BOC to gather wealth, WeChat, Alipay, UnionPay, etc.;
CCB merchants receiving the QR code of CCB integrate a variety of payment methods such as WeChat, Alipay, UnionPay Cloud Flash Pay, and Long Pay. After receiving the money, the funds can be directly entered to enter the CCB card or public account binding. In addition to banks, many aggregate payment institutions are also promoting its receiving code, and the receiving market is getting stronger.
We by the merchants we trades, they need to pay taxes to the country. They use merchants to collect payment, and they have records in the background, so the state can collect taxes on this part of the operator according to law. The merchants who use the personal collection code to collect money have not involved business behaviors. The state cannot collect taxes according to law. From the perspective of the interests of the country, this is definitely not allowed. Therefore, there are also reasons to restrict personal use of personal use.
Is after the personal collection code is restricted to commercial use, a series of merchants such as Weishang cannot use personal collection codes for transactions. Essence Therefore, we must look at everything with development. We must not just look at the disadvantages of this incident, and we must also discover its advantages, and then we can better understand the intention of this matter.
Even if the personal collection code is discontinued, it will not return to the banknotes, because consumers are accustomed to scanning code payment, and merchants will relocate consumers instead of letting consumers keep the rules of merchants. Specific below:
1. Discontinue personal collection code, and merchant code, just pay taxes. In the operation of small vendors, there is a merchant code. The previous operations have an ingredients that have not been paid to the tax. Now it is suspended. It has been taken away from the preliminary benefits. Not very big. Because before the economy is to drive the economy, the stalls have been promoted, and at the same time, it is considered a certain benefit when encouraging entrepreneurship. Now it has established a steady heel. Although there are taxes and less earnings, but now, the tax amount of our underlying crowd is still relatively low, which is fully acceptable.
. It is limited to personal operations. Ordinary receiving behaviors can still use personal collection codes. In addition, in terms of the personal collection code, there is no cutting on it. Personal collection, ordinary friends transfer, etc. are still possible. I personally test it. The personal collection code can be used directly, and it can be used. It will not deduct taxes to be able to receive the amount deserved.
The on the business, after registering the personal merchant, there is actually not much tax. It feels within the acceptable range. I register 0.4%. The tax of this operation can be retired later. In the second year, you can apply for more taxes in the tax hall. Like in 2021, I set up a stall after get off work. The total income of a year is about 7900 yuan, and the amount of tax payment is 31.6. Essence
. It is undeniable that the code scanning payment has solved the problem of counterfeit currency to a large extent. Ten years ago, setting up stalls or doing small businesses, more worried that one problem is to receive counterfeit currency. At that time, I was still studying, and my dad occasionally ran. When I was a little bit, I received two fake coins a day, which is equivalent to Bai Gan. This risk has been perfectly avoided in the current era of scanning. A great effort of scanning code.
Although not everyone is paid by scanning, it has to be said that the code scanning payment allows many risks to be avoided. It's just that there is no problem at all. Some families, they are the elderly stalls. However, the elderly takes the younger generation of the family in the family. I have seen a elderly person with my own eyes. When the stalls are set up, the two daughter -in -law's receipt code is taken. Change one day, I don't think this.
In general, although the personal payment code is issued, it will still not return to the cash age. Although when cash is said, maybe there are not so many people with liabilities, but it cannot be denied that, it cannot be denied that, it cannot be denied that, it cannot be denied that, it cannot be denied that, it cannot be denied that, it cannot be denied that, it cannot be denied that, it cannot be denied that, it cannot be denied that, it cannot be denied that, it cannot be denied that, it cannot be denied that, it cannot be denied. Code payment is a progress.
I can say certain that I will not return to the era of banknotes. Because from March 1, 2022, Alipay can continue to use WeChat, but many bosses who do small business may no longer use personal collection codes. Instead Essence The discontinuation of the personal payment code is used for merchant collection. For ordinary office workers, there is no impact at all, how to use it.
The managed "individual with obvious business characteristics" If someone has a face -to -face money to you, you just occasionally take out the collection code for the other party to scan the code to pay, which is normal. But if your personal collection code is received for a period of time, it will receive a transfer that many people give you and reach a certain number, it will be defined as "with obvious business characteristics".
So ordinary people don't have to worry, but if it is a businessman who wants to continue to do business, then you need to upgrade your personal QR code into a merchant QR code.
Forbidden remote non -face -to -face collection personal static QR code. In addition, I read the content of the file and found that in addition to the use of personal collection codes with operating activities, this notice is "It is forbidden for remote non -face -to -face to collect personal static QR codes."
What do you mean, take Alipay as an example. Usually when we click on the personal collection code, we will find that each point is different every time, this belongs to the dynamic collection code. And when we go to the small merchant to buy things, we will find that their QR codes are printed with a fixed two -dimensional code that is posted directly there. This is a static QR code.
The meaning of "remote non -face -to -face collection of personal static QR code," if you are an online shop owner, send a QR code to others on the Internet to let others scan the code to pay, but your collection The code is also a personal static QR code. This is not allowed. It must be replaced with a Merchant QR code.
The summary era is progressing, society is developing, and it is difficult for us to return to the era of the banknotes. Copper coins, silver out of the same reason. In this policy, ordinary office workers have no impact, and individual merchants can remember to upgrade the payment code.
The really influence is those grandparents who are older and low in cultural level. They are sitting on the street to sell vegetables, but they may not upgrade their personal payment codes to merchants. I hope that if you have such a person around you, you just have time, and then help them.
Even if the personal collection code is discontinued for merchants' collection, we will not return to the banknotes, because this is not great. The following details:
1. In fact, most of the shops have already used the merchant's payment code. When you charge outside, you should remind these two voice prompts that the no stranger to "XX Bar to the account XX yuan" and "X business collection XX yuan". These two are the merchant's payment code. Because they do not use personal collection codes themselves. Take Guangdong as an example, as small as pig feet powder to all kinds of catering, there are such receiving codes. They have not except for scanning cash registered cash registers, everything else is very commercial.
. Personal receipt code, face -to -face collection is still possible. In addition, the personal collection code only limits the business behavior, and the face -to -face collection is still possible. It is just a blow to transfer gambling funds, tax evasion and other behaviors. If you want to operate a small store legally, apply directly to the merchant's collection code. Compared to cash, other banknotes also have risk of banknotes. After all, not everyone has a banknote check machine. After a day, if you collect two or three fake coins, you will dry it in one day. Although the merchant's collection code will deduct taxes, there will be a handling fee.
. The banknotes have not been stopped, but it is just convenient to scan the code. Besides, the collection code has been used for so long. In fact, there is no 100 % cash, and many people use cash. You know, there are many people in our society, and they do not use smartphones. They are also part of our people. They have always used cash. This is not they do not understand, nor they are backward, but they It's just your personal habits.
It like I have a friend, in Shenzhen, and young people, with an annual salary of more than 300,000, but he has always maintained cash, charging bus cards, subway cards, online shopping, using smartphones, but retaining it, but it has been retained. Use the tradition of cash and money. Because he said that he felt that using cash could not be easy to earn money, and he couldn't save money.
On October 31, 2021, the People's Bank of China suddenly issued a "Notice on Strengthening Payment Acceptance Terminal and related business management", which said that starting from March 1, 2022, "prohibiting personal collection codes is prohibited from operating operations. Serve". So, will we go back to the era of banknotes?
What is the range of discontinuation? There are two codes in our mobile phones, one collection code, and one payment code. Many roadside stalls are attached to the one who collects money. The original meaning of this code is to facilitate the use of small and small funds for personal daily life, such as borrowing money between friends. The premise is that it should be used without the nature of business.
The limitation may affect the number of receipts and transaction limits of personal code. The kind of printing that is printed out will also fail. To put it simply, it is no longer possible to collect money with personal code in the future.
The regulatory merchant operations If you usually collect money in private, you have little effect. This time is more of the protection and restrictions on merchants. The transactions between the personal code do not belong to the merchant operation, and naturally do not generate various operating taxes. This makes many operators swing a big tax evasion and tax evasion. Usually, hawkers on the street, and even operators in large shopping malls use personal code to charge. This behavior is actually illegal.
The taxes are an important source of funds for the country. It will be fed back to people's public life. The cheap buses that usually take, various social welfare, etc., are inseparable from tax support. Previously, there was no clear supervision in this regard. This measure was to solve the problem. As long as the regular merchant code is processed according to regulations, you can continue to operate.
The influence caused by the short term for whether it will affect us to buy pancake fruit. I believe that you should already know that the merchants who apply for the merchant code will not be affected. However, some mobile booths may be affected in the short term.
. They were originally "stall -style operations", and there is still a long way to go. However, before the official suspension, multiple solutions will definitely launch. For example, you can still use merchants to receive a payment code, or to launch a special code for flowing booths, and even the use of digital currencies in the future.
"Cash Age" will return? Interestingly, after the central bank issued new regulations to regulate the different scope of use of different collection codes, some netizens said that the withdrawal fee for the withdrawal code of the merchant is too high, up to 0.6%, and individual only needs 0.1%. This pair of this pair is The vendors in the vegetable market are not cost -effective, so the regulations may eventually lead to the return of the "cash era."
must admit that what netizens have said certain truths. If the withdrawal rate increases, it is really injured for vendors in the vegetable market. Because it will not make much money for selling vegetables and meat a day. If the withdrawal rate increases, it is likely to breed the situation of hawkers in the vegetable market only collecting cash.
, although netizens have a certain path, I feel that there is no need to worry too much. It is believed that the central bank's think tank will also take into account this problem. Maybe they will also ask the electronic payment platform to reduce the "withdrawal rate", or set a "threshold", if the monthly income is less than 50,000 with a current rate of 0.1%, More than 100,000 or more.
The conclusion is not conflicting for the new rules of the central bank, because this is something that must be experienced after the development of electronic payment methods to a certain degree. The most important thing is that the electronic payment method also requires corresponding laws and regulations to regulate. Because only this is the case, can we effectively protect the legitimate rights and interests of the country and citizens. Therefore, we don't have to resist the new rules of the central bank. We must believe in the country's decisions.
The standardization of the mobile payment platform is the way we must go. After all, the more fresh things, the more implied risks, and the more difficult it is to regulate. Only by constantly exploring and refining and removing the essence of the dross can we better serve our lives.